{"id":18097,"date":"2026-08-03T02:41:05","date_gmt":"2026-08-03T09:11:05","guid":{"rendered":"https:\/\/shoonya.com\/blog\/?p=18097"},"modified":"2026-08-03T02:41:05","modified_gmt":"2026-08-03T09:11:05","slug":"epf-withdrawal-rules","status":"publish","type":"post","link":"https:\/\/shoonya.com\/blog\/epf-withdrawal-rules\/","title":{"rendered":"EPF Withdrawal Rules 2026: Eligibility, Limits &amp; How to Withdraw PF Online"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/shoonya.com\/blog\/epf-withdrawal-rules\/#What_Is_EPF\" >What Is EPF?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/shoonya.com\/blog\/epf-withdrawal-rules\/#Who_Is_Eligible_to_Withdraw_EPF\" >Who Is Eligible to Withdraw EPF?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/shoonya.com\/blog\/epf-withdrawal-rules\/#What_Are_the_Latest_Key_Changes_in_EPF_Withdrawal_Rules\" >What Are the Latest Key Changes in EPF Withdrawal Rules?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/shoonya.com\/blog\/epf-withdrawal-rules\/#Forms_Required_for_EPF_Withdrawal\" >Forms Required for EPF Withdrawal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/shoonya.com\/blog\/epf-withdrawal-rules\/#How_to_Withdraw_EPF_Online_Step_by_Step\" >How to Withdraw EPF Online: Step by Step<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/shoonya.com\/blog\/epf-withdrawal-rules\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/shoonya.com\/blog\/epf-withdrawal-rules\/#EPF_Withdrawal_Rules_FAQs\" >EPF Withdrawal Rules: FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<nav style=\"--separator: &quot;\/&quot;\" class=\"wp-block-breadcrumbs\" aria-label=\"Breadcrumbs\"><ol><li><a href=\"https:\/\/shoonya.com\/blog\/\">Home<\/a><\/li><li><a href=\"https:\/\/shoonya.com\/blog\/tutorials\/\">Tutorials<\/a><\/li><li><a href=\"https:\/\/shoonya.com\/blog\/tutorials\/epf\/\">EPF<\/a><\/li><li><span aria-current=\"page\">EPF Withdrawal Rules 2026: Eligibility, Limits &amp; How to Withdraw PF Online<\/span><\/li><\/ol><\/nav>\n\n\n<meta charset=\"UTF-8\">\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n \n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Bricolage+Grotesque:opsz,wght@12..96,400;12..96,600;12..96,700;12..96,800&amp;family=Figtree:ital,wght@0,300;0,400;0,500;0,600;1,400&amp;display=swap\" rel=\"stylesheet\">\n<style>\n  :root {\n    --forest:   #082F24;\n    --mustard:  #EFA145;\n    --reddish:  #AA573D;\n    --white:    #FFFFFF;\n    --fresh:    #EEFFF2;\n    --bg:       #FAFAF8;\n    --surface:  #FFFFFF;\n    --text:     #1C2B24;\n    --muted:    #5A6B62;\n    --border:   #E2EDE6;\n    --green:    #1A6B40;\n  }\n  .blog-wrap, .blog-wrap * { box-sizing: border-box; margin: 0; padding: 0; }\n  .blog-wrap { font-family: 'Figtree', sans-serif; background: transparent; color: var(--text); font-size: 17px; line-height: 1.8; scroll-behavior: smooth; }\n\n  \/* LAYOUT *\/\n  .blog-wrap { max-width:100%; margin: 0 auto; 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font-weight: 600; padding: 7px 16px; border-radius: 20px; }\n  .final-cta a { display: inline-flex; background: var(--mustard); color: var(--forest); font-family: 'Bricolage Grotesque', sans-serif; font-weight: 800; font-size: 15px; padding: 14px 32px; border-radius: 8px; text-decoration: none; transition: opacity 0.15s; }\n  .final-cta a:hover { opacity: 0.9; }\n\n  \/* DISCLAIMER *\/\n  .disclaimer { font-size: 12px; color: var(--muted); line-height: 1.7; padding: 16px 20px; background: #F4F4F0; border-radius: 8px; border: 1px solid #E4E4DC; margin: 16px 0; }\n\n  @media (max-width: 640px) {\n    .blog-wrap table { font-size: 14.5px; }\n  }\n<\/style>\n\n\n\n<div class=\"blog-wrap\">\n  <div class=\"prose\">\n\n    <p><a href=\"https:\/\/shoonya.com\/blog\/employee-provident-fund-epf\/\">Employees&#8217; Provident Fund<\/a> (EPF) is often seen as a retirement fund you don&#8217;t touch until you stop working. But that&#8217;s not entirely true. EPF is also a financial cushion you can lean on during major life events \u2014 a medical emergency, a wedding, a home purchase, or a stretch of unemployment.<\/p>\n    <p>It&#8217;s important to note that you can&#8217;t withdraw it however and whenever you like. The EPFO (Employees&#8217; Provident Fund Organisation) has laid out specific rules around who can withdraw, how much, and under what circumstances.<\/p>\n    <p>Here&#8217;s how the latest EPF withdrawal rules work.<\/p>\n\n    <h2><span class=\"ez-toc-section\" id=\"What_Is_EPF\"><\/span>What Is EPF?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <div class=\"definition-box\">\n      <div class=\"def-label\">EPF \u2014 Employees&#8217; Provident Fund<\/div>\n      <p>EPF is managed by the EPFO. Every month, both you and your employer contribute 12% of your basic salary plus dearness allowance, but not all of it lands in your EPF account. Your full 12% goes into EPF, while your employer&#8217;s 12% is split: 8.33% goes to the Employees&#8217; Pension Scheme (EPS), and only the remaining 3.67% goes into EPF.<\/p>\n    <\/div>\n\n    <p>This accumulated amount earns annual interest, currently pegged at 8.25%, building a long-term financial corpus. While it&#8217;s designed primarily for retirement, EPFO rules also allow partial and full withdrawals under defined conditions, which is where most people get confused.<\/p>\n\n    <h2><span class=\"ez-toc-section\" id=\"Who_Is_Eligible_to_Withdraw_EPF\"><\/span>Who Is Eligible to Withdraw EPF?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>You can withdraw from your EPF account if you&#8217;re:<\/p>\n    <ul>\n      <li>Retired after reaching the prescribed retirement age (58 years for full withdrawal)<\/li>\n      <li>Unemployed for a specified period after leaving a job<\/li>\n      <li>In need of funds for medical treatment, home purchase, renovation, or education<\/li>\n      <li>Permanently relocating abroad or living with a permanent disability<\/li>\n      <li>Looking for a partial withdrawal for marriage or another EPFO-approved purpose<\/li>\n    <\/ul>\n    <p>You&#8217;ll also need to meet basic documentation requirements \u2014 Aadhaar linked with your <a href=\"https:\/\/shoonya.com\/blog\/universal-account-number\/\">UAN<\/a>, a PAN card, and bank details seeded with your UAN \u2014 regardless of the reason for withdrawal.<\/p>\n\n    <h2><span class=\"ez-toc-section\" id=\"What_Are_the_Latest_Key_Changes_in_EPF_Withdrawal_Rules\"><\/span>What Are the Latest Key Changes in EPF Withdrawal Rules?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>On October 13, 2025, the EPFO&#8217;s Central Board of Trustees approved a major overhaul of withdrawal rules to make access to funds easier for its 7+ crore subscribers. Here&#8217;s what changed.<\/p>\n\n    <h3>1. Full Withdrawal While Employed vs After Leaving<\/h3>\n    <p>Full, 100% withdrawal is not allowed while you&#8217;re still employed, since the EPF account is meant to function as a long-term retirement instrument. On unemployment, 75% becomes accessible immediately, while the remaining 25% is released after 12 months, or in full at retirement, permanent disability, incapacity to work, retrenchment, voluntary retirement, permanent emigration, or on death, when it&#8217;s paid to the nominee.<\/p>\n    <p>While employed, you can only make partial withdrawals (advances) for approved reasons. These aren&#8217;t loans, so there&#8217;s no repayment obligation.<\/p>\n\n    <h3>2. Unemployment Rules<\/h3>\n    <ul>\n      <li>75% of your balance, including employer contribution, employee contribution, and accumulated interest, can be withdrawn immediately on unemployment, with no documentation required.<\/li>\n      <li>The remaining 25% is retained as a safety net and can be withdrawn after 12 months, a window extended from the earlier, shorter premature settlement period specifically to protect retirement savings from erosion.<\/li>\n      <li>Full withdrawal of the entire balance, including this 25% portion, is allowed in case of retirement after 55 years, permanent disability, incapacity to work, retrenchment, voluntary retirement, or permanent emigration.<\/li>\n      <li>The EPS (pension) settlement now requires 36 months of unemployment, up from 2 months earlier, to encourage members to stay invested long enough to qualify for pension benefits.<\/li>\n    <\/ul>\n\n    <div class=\"callout callout-warning\">\n      <div class=\"callout-icon\">\u26a0<\/div>\n      <div class=\"callout-body\">\n        <div class=\"callout-label\">Note<\/div>\n        <p>The EPS (pension) settlement window has been extended from 2 months to 36 months of unemployment \u2014 a significant change from the earlier rules.<\/p>\n      <\/div>\n    <\/div>\n\n    <h3>3. Partial Withdrawal (Advance) Rules by Purpose<\/h3>\n\n    <div class=\"table-wrap\">\n      <table>\n        <thead>\n          <tr><th>Purpose<\/th><th>Minimum Service Required<\/th><th>Withdrawal Limit<\/th><\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>Medical emergency (self or family)<\/td><td>12 months<\/td><td>Up to 75% of eligible balance, immediate, no documentation<\/td><\/tr>\n          <tr><td>Marriage (self, child, or sibling)<\/td><td>12 months<\/td><td>Up to 75% of eligible balance, immediate, no documentation<\/td><\/tr>\n          <tr><td>Education<\/td><td>12 months<\/td><td>Up to 75% of eligible balance, immediate, no documentation<\/td><\/tr>\n          <tr><td>Home purchase, construction, or renovation<\/td><td>12 months<\/td><td>Up to 75% of eligible balance, immediate, no documentation<\/td><\/tr>\n          <tr><td>Special circumstances (no reason required)<\/td><td>12 months<\/td><td>Up to 75% of eligible balance, immediate, no documentation<\/td><\/tr>\n          <tr><td>Retirement (55+ years)<\/td><td>Not applicable<\/td><td>Up to 100% of the accumulated corpus<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n\n    <p>The remaining 25%, in every category above, is retained as a safety net and becomes withdrawable after 12 months, or is released in full at retirement, permanent disability, incapacity to work, retrenchment, voluntary retirement, or permanent emigration.<\/p>\n\n    <h3>4. Job Changes<\/h3>\n    <p>Switching jobs doesn&#8217;t mean withdrawing your PF; it means transferring it. It&#8217;s mandatory to transfer your existing PF balance to your new employer&#8217;s account, which you can do online via the EPFO portal using your Universal Account Number (UAN).<\/p>\n\n    <h3>5. Tax (TDS) on EPF Withdrawal<\/h3>\n    <p>TDS on EPF withdrawal depends on your years of service, the withdrawal amount, and whether you submit PAN and Form 15G\/15H.<\/p>\n\n    <div class=\"example-box\">\n      <div class=\"ex-label\">No <a href=\"https:\/\/shoonya.com\/blog\/tds-calculator\/\">TDS<\/a> is Deducted If<\/div>\n      <p>You&#8217;ve completed 5 years of continuous service<\/p>\n      <p>The withdrawal amount is under \u20b930,000<\/p>\n      <p>The withdrawal is due to ill health, business closure, project completion, or reasons beyond your control<\/p>\n      <p>You submit Form 15G or 15H along with PAN, even for withdrawals of \u20b930,000 or more, with less than 5 years of service<\/p>\n    <\/div>\n\n    <p><strong>TDS is deducted if<\/strong> the withdrawal is \u20b930,000 or more, service is under 5 years, and:<\/p>\n    <ul>\n      <li>10% TDS applies if PAN is submitted, but Form 15G\/15H isn&#8217;t<\/li>\n      <li>34.608% TDS applies if PAN isn&#8217;t submitted at all<\/li>\n    <\/ul>\n\n    <h2><span class=\"ez-toc-section\" id=\"Forms_Required_for_EPF_Withdrawal\"><\/span>Forms Required for EPF Withdrawal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>EPF withdrawal requires Form 19 for full settlement, Form 10C for pension withdrawal, and Form 31 for partial withdrawals or advances.<\/p>\n\n    <div class=\"table-wrap\">\n      <table>\n        <thead><tr><th>Form<\/th><th>Purpose<\/th><\/tr><\/thead>\n        <tbody>\n          <tr><td>Form 19<\/td><td>Final settlement, for full withdrawal after retirement, resignation, or unemployment<\/td><\/tr>\n          <tr><td>Form 10C<\/td><td>Withdrawal of pension benefits under EPS<\/td><\/tr>\n          <tr><td>Form 31<\/td><td>Partial withdrawal or advance for marriage, education, medical treatment, home loan repayment, or house construction<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n\n    <p>All these forms are available online through the EPFO Unified Member Portal. No physical paperwork is needed if your KYC is complete.<\/p>\n\n    <h2><span class=\"ez-toc-section\" id=\"How_to_Withdraw_EPF_Online_Step_by_Step\"><\/span>How to Withdraw EPF Online: Step by Step<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>You can withdraw your EPF online by logging into the EPFO Unified Member Portal with your UAN, filing the relevant claim form, and submitting it for processing.<\/p>\n    <ol>\n      <li>Log in to the EPFO Unified Member Portal using your UAN and password<\/li>\n      <li>Go to &#8216;Online Services&#8217; and select &#8216;Claim (Form 31, 19 &amp; 10C)&#8217;<\/li>\n      <li>Enter the last 4 digits of your bank account and verify<\/li>\n      <li>Select the withdrawal type: final, partial, or pension<\/li>\n      <li>Upload Form 15G\/15H if applicable, to avoid TDS, along with any supporting documents<\/li>\n      <li>Submit the claim. You&#8217;ll get an SMS update on claim status, and settlement usually takes 7 to 15 working days<\/li>\n    <\/ol>\n\n    <h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>EPF isn&#8217;t locked away until retirement. It&#8217;s a flexible financial resource you can access during genuine life needs, provided you understand the eligibility windows, limits, and tax rules that apply. Once your withdrawal is processed, it&#8217;s worth thinking about how to make that money work for you. <\/p>\n\n<p>If you&#8217;re considering investing in the stock market, <a href=\"https:\/\/shoonya.com\/open-an-account\/?utm_source=blog&amp;utm_medium=organic&amp;utm_campaign=epf\">opening a demat account<\/a> is the first step.<\/p>\n\n \n\n    <h2><span class=\"ez-toc-section\" id=\"EPF_Withdrawal_Rules_FAQs\"><\/span>EPF Withdrawal Rules: FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n    <div class=\"faq-item\">\n      <h3>Can I withdraw my EPF while still working?<\/h3>\n      <p>Yes, but only as a partial withdrawal (advance) for approved reasons like medical emergencies, education, marriage, or housing needs. A full withdrawal is allowed only after retirement or after a specified period of unemployment.<\/p>\n    <\/div>\n    <div class=\"faq-item\">\n      <h3>How long does an EPF withdrawal take?<\/h3>\n      <p>Typically, 7 to 15 working days after your claim is submitted online, though it can extend up to 20 days in some cases.<\/p>\n    <\/div>\n    <div class=\"faq-item\">\n      <h3>Can I withdraw 100% of my PF amount?<\/h3>\n      <p>Yes, on unemployment, 75% is withdrawable immediately and the remaining 25% after a year. Full withdrawal is allowed on retirement at 55+, permanent disability, retrenchment, voluntary retirement, or leaving India permanently.<\/p>\n    <\/div>\n    <div class=\"faq-item\">\n      <h3>Can I withdraw the employer&#8217;s contribution too?<\/h3>\n      <p>Partially. Of your employer&#8217;s 12% contribution, only 3.67% goes into your EPF account and can be withdrawn under these rules. The remaining 8.33% is allocated to EPS (pension), which has its own withdrawal rules and eligibility conditions.<\/p>\n    <\/div>\n\n   <div class=\"source-tag\">\n      <svg width=\"13\" height=\"13\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M10 13a5 5 0 0 0 7.54.54l3-3a5 5 0 0 0-7.07-7.07l-1.72 1.71\"><\/path><path d=\"M14 11a5 5 0 0 0-7.54-.54l-3 3a5 5 0 0 0 7.07 7.07l1.71-1.71\"><\/path><\/svg>\n      <span>Source: <strong>The Economics Times<\/strong><\/span>\n    <\/div>\n\n\n    <div class=\"disclaimer\">\n      <strong>Disclaimer:<\/strong> This content is for education and awareness purposes only and should not be considered investment advice or a recommendation. Investments in securities markets are subject to market risks. Read all the related documents carefully before investing.  \n    <\/div>\n\n  <\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Employees&#8217; Provident Fund (EPF) is often seen as a retirement fund you don&#8217;t touch until you stop working. But that&#8217;s not entirely true. EPF is also a financial cushion you can lean on during major life events \u2014 a medical emergency, a wedding, a home purchase, or a stretch of unemployment. It&#8217;s important to note &hellip; <a href=\"https:\/\/shoonya.com\/blog\/epf-withdrawal-rules\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;EPF Withdrawal Rules 2026: Eligibility, Limits &amp; How to Withdraw PF Online&#8221;<\/span><\/a><\/p>\n","protected":false},"author":17,"featured_media":18098,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[9535],"tags":[10345,10344,9542],"class_list":["post-18097","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-epf","tag-epf-withdrawal-rules","tag-epf-withdrawal-rules-2026","tag-what-is-epf"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>EPF Withdrawal Rules 2026: Everything You Need to Know<\/title>\n<meta name=\"description\" content=\"EPF withdrawal rules allow 75% of your balance immediately on unemployment, remaining 25% can be withdrawn at retirement (55+).\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/shoonya.com\/blog\/epf-withdrawal-rules\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"EPF Withdrawal Rules 2026: Everything You Need to Know\" \/>\n<meta property=\"og:description\" content=\"EPF withdrawal rules allow 75% of your balance immediately on unemployment, remaining 25% can be withdrawn at retirement (55+).\" \/>\n<meta property=\"og:url\" content=\"https:\/\/shoonya.com\/blog\/epf-withdrawal-rules\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ShoonyaApp\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-03T09:11:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2026\/08\/EPF-Withdrawal-Rules-2026.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"atulrana\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"EPF Withdrawal Rules 2026: Everything You Need to Know\" \/>\n<meta name=\"twitter:description\" content=\"EPF withdrawal rules allow 75% of your balance immediately on unemployment, remaining 25% can be withdrawn at retirement (55+).\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2026\/08\/EPF-Withdrawal-Rules-2026.webp\" \/>\n<meta name=\"twitter:creator\" content=\"@shoonyaapp\" \/>\n<meta name=\"twitter:site\" content=\"@shoonyaapp\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"atulrana\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/epf-withdrawal-rules\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/epf-withdrawal-rules\\\/\"},\"author\":{\"name\":\"atulrana\",\"@id\":\"https:\\\/\\\/shoonya.com\\\/blog\\\/#\\\/schema\\\/person\\\/753b3e2352dc2915e7069273091f9124\"},\"headline\":\"EPF Withdrawal Rules 2026: Eligibility, Limits &amp; 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